It seems like nowadays people are scared of two simple words: health insurance. A lot of patients don't have health insurance at all, and the ones who do have insurance typically misunderstand their coverage. We try and help patients as much as we can with understanding their health insurance, because we know as a patient it can seem like you’re in over your head. Health insurance plans can be scary and confusing, but instead of just guessing when it comes to picking a plan, start asking questions.
Look over your own finances and compare them to your current deductible, maximum out-of-pocket cost, and premium.
Also, don’t assume the most expensive plan is the best plan. Each individual or family will require something tailored specifically to them, so it’s best to understand how to get the most for your money.
Did you know “less than 10% of the population is admitted to the hospital every year”? (Then why does it take so long? Well, that’s a question for another time…)
If you’re in that 90% who avoided the hospital, you might be able to choose a plan with a less expensive premium. Higher deductibles look scary, but if you rarely need to pay them, it will work out in the long run.
Also, Obamacare covers preventive health procedures regardless of whether or not you meet your deductible that means the following procedures are readily available:
· Blood Pressure Tests
· Mental Health Services
· Smoking Cessation Programs
· Depression Screening
· Diet Counseling and more
Don’t Get Sentimental
Don’t get pulled into “if it ain’t broke, don’t fix it” mentality with healthcare. Your life is constantly changing: having kids, kids growing up, and new health developments.
Making sure to understand the different plans and your current situations (as explained under Be Realistic) could help you save a lot of money.
Health Maintenance Organizations (HMO): As (usually) the cheapest option, HMO plans come with a list of doctors within that network who are all available to you. It’s always best to check the list before choosing this option.
Preferred Provider Organizations (PPO): These plans come with a higher premium, but the variety of doctors is a lot wider than with an HMO plan.
Point of Service (POS): A combination of HMO and PPO plans, you will have a lot of doctors available as well, but you’ll need to choose a primary physician to see and give you referrals to see any specialist. These plans are more expensive but also come with the most flexibility.
Note: Be sure to read the summary of benefits and coverage that comes with each plan.
An underrated but extremely important point when concerned with health plans. Remember how only 10% of the population was admitted to a hospital yearly? The way to stay in that 90% of health individuals is to watch your diet and exercise.
Did you know “Preventable illnesses make up 70% of health care costs”? Consider that next time you pick up a cigarette.
Find a Knowledgeable Buddy
Again, most people simply guess which plan is for them.
No matter what you do, when it comes to picking a health insurance plan make sure to ask questions and seek out resources that will help you decide what plan is best for you! At Northeast Nebraska Imaging, we offer most major insurances. Need an appointment for an MRI? Look no further than Northeast Nebraska, we'll answer questions about your insurance plan.